Payment two-dimensional code secure payment method and system without two-step authentication

Abstract

A payment two-dimensional code secure payment method and system without two-step authentication. The method comprises the following steps: by means of a payment application, producing a first payment two-dimensional code and a second payment two-dimensional code, and alternately displaying the first payment two-dimensional code and the second payment two-dimensional code; respectively identifying the first payment two-dimensional code and the second payment two-dimensional code to acquire complete payment information; sending the complete payment information to a payment centre for verification; when verification is successful, the payment is complete. The present method effectively avoids the property loss incurred by users due to scanning of payment two-dimensional code pictures, and increases payment security.

The invention claimed is: 
     
       1. A payment two-dimensional code secure payment method without two-step authentication, comprising the following steps:
 simultaneously generating a first payment two-dimensional bar code and a second payment two-dimensional bar code by means of a payment application, wherein the first payment two-dimensional bar code and the second payment two-dimensional bar code are a pair of two-dimensional bar codes; and an account of a user and payment information are split and stored in the pair of two-dimensional bar codes; and the first payment two-dimensional bar code and the second payment two-dimensional bar code satisfy the following relations: 
 1) the first payment two-dimensional bar code and the second payment two-dimensional bar code each comprise a unique transaction number; 
 2) the account and the payment information are split and stored in the first payment two-dimensional bar code and the second payment two-dimensional bar code; 
 3) the first payment two-dimensional bar code and the second payment two-dimensional bar code respectively encrypt the payment information; and 
 4) the first payment two-dimensional bar code stores a key that parses payment information of the second payment two-dimensional bar code, and the second payment two-dimensional bar code stores a key that parses payment information of the first payment two-dimensional bar code; 
 alternately displaying the first payment two-dimensional bar code and the second payment two-dimensional bar code; and 
 respectively identifying the first payment two-dimensional bar code and the second payment two-dimensional bar code to obtain intact payment information, sending the intact payment information to a payment center for verification, and if the verification succeeds, ending the payment. 
 
     
     
       2. The payment two-dimensional code secure payment method without two-step authentication according to  claim 1 , wherein the respectively identifying the first payment two-dimensional bar code and the second payment two-dimensional bar code to obtain intact payment information, and sending the intact payment information to a payment center for verification comprises the following steps:
 acquiring a plurality of two-dimensional bar code images by multiple scanning of the first payment two-dimensional bar code and the second payment two-dimensional bar code which are alternately displayed by the payment application; 
 respectively acquiring a key stored in the first payment two-dimensional bar code and a key stored in the second payment two-dimensional bar code after determining that the plurality of two-dimensional bar code images comprise a group of intact payment two-dimensional bar codes; 
 parsing payment information of the second payment two-dimensional bar code with the key stored in the first payment two-dimensional bar code, and parsing payment information of the first payment two-dimensional bar code with the key stored in the second payment two-dimensional bar code; and 
 combining the payment information of the first payment two-dimensional bar code with the payment information of the second payment two-dimensional bar code, and transmitting the combined payment information to the payment center for verification. 
 
     
     
       3. The payment two-dimensional code secure payment method without two-step authentication according to  claim 2 , wherein the acquiring a plurality of two-dimensional bar code images by multiple scanning of the first payment two-dimensional bar code and the second payment two-dimensional bar code which are alternately displayed by the payment application comprises the following steps:
 acquiring a frequency t of the payment application for alternately displaying the first payment two-dimensional bar code and the second payment two-dimensional bar code, wherein t is an integer; and 
 identifying the payment two-dimensional bar codes displayed by the payment application at a frequency of 0.5 t for multiple times, and ending the identification till the plurality of two-dimensional bar code images are determined to comprise a group of intact payment two-dimensional bar codes. 
 
     
     
       4. The payment two-dimensional code secure payment method without two-step authentication according to  claim 3 , wherein a process of determining that the plurality of two-dimensional bar code images comprise a group of intact payment two-dimensional bar codes is as follows:
 determining that the plurality of two-dimensional bar code images comprise a group of intact payment two-dimensional bar codes when the plurality of two-dimensional bar codes comprise two pieces of two-dimensional bar code information that are different. 
 
     
     
       5. A payment two-dimensional code secure payment system without two-step authentication, comprising a processor and a memory, wherein the memory stores a computer program operable on the processor; and the computer program, when executed by the processor, realizes the following steps:
 simultaneously generating a first payment two-dimensional bar code and a second payment two-dimensional bar code by means of a payment application, wherein the first payment two-dimensional bar code and the second payment two-dimensional bar code are a pair of two-dimensional bar codes; and an account of a user and payment information are split and stored in the pair of two-dimensional bar codes; and the first payment two-dimensional bar code and the second payment two-dimensional bar code satisfy the following relations: 
 1) The first payment two-dimensional bar code and the second payment two-dimensional bar code each comprise a unique transaction number; 
 2) The account and the payment information are split and stored in the first payment two-dimensional bar code and the second payment two-dimensional bar code; 
 3) The first payment two-dimensional bar code and the second payment two-dimensional bar code respectively encrypt the payment information; and 
 4) The first payment two-dimensional bar code stores a key that parses payment information of the second payment two-dimensional bar code, and the second payment two-dimensional bar code stores a key that parses payment information of the first payment two-dimensional bar code; 
 alternately displaying the first payment two-dimensional bar code and the second payment two-dimensional bar code; and 
 respectively identifying the first payment two-dimensional bar code and the second payment two-dimensional bar code to obtain intact payment information, sending the intact payment information to a payment center for verification, and if the verification succeeds, ending the payment.